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HAWK Advisers: Blog

Personal Umbrella Insurance: What It Is & What It Covers

Personal Umbrella Insurance: What It Is & What It Covers

As it tends to be with most things in life, interpretation does not always coincide with reality. Unsurprisingly, this principle could not be more true for what the insurance industry would call, “umbrella policies.”  For many seeking to attain liability coverage,...

The Scary Truth of Not Having EPLI Coverage

The Scary Truth of Not Having EPLI Coverage

What is EPLI Coverage? Employment Practices Liability Insurance is available to protect businesses for both first-party (employment related) and third-party (customer and vendor) lawsuits involving such issues as harassment or discrimination. Third-party liability...

Meet Will, HAWK’s Intern!

Meet Will, HAWK’s Intern!

Who Am I? My name is Will Matney and I could not be more excited to be part of Team HAWK.  In May, I received a bachelor’s degree in Political Science from Virginia Tech and wrapped up what ended up being the most transformative years of my life.  While I spent the...

Do I Need Flood Insurance?

Do I Need Flood Insurance?

Flooding is common throughout many areas within the United States and can be prevalent during particular times of the year in particular areas. Though there is no specific flood season, most flooding occurs in the U.S. from spring to fall. Floods can cause more than...

How Does a Workers’ Compensation Claim Affect My Premium?

How Does a Workers’ Compensation Claim Affect My Premium?

One of the biggest expenses affecting small businesses is workers' compensation insurance, which covers expenses associated with injuries to employees while on the job. Workers' compensation is one way that small business employers can help protect the people that...

Electric Scooters- What’s the Risk?

Electric Scooters- What’s the Risk?

There is a popular new mobility option that has hit the streets in Roanoke - Lime Scooters. In fact, they have not just hit Roanoke's streets, according to Lime's website, they have been introduced to more than 100 cities worldwide. Lime encourages people to ride in...

Seminar Recap: Benefits That Bite

Seminar Recap: Benefits That Bite

HAWK Advisers took a deep dive into the murky waters surrounding Workers' Compensation & Employee Benefits in our latest seminar to help employers spot, identify, and defend their company from lurking sharks. Suit up, we're diving into our discussion below! CHEWS...

Sensory Technology in Insurance

Sensory Technology in Insurance

Technology has made an impact on every industry and whether or not you are pro-technology or against it, we can all agree it is here to stay. Insurance is no exception and our industry is changing at an unprecedented pace. As risk advisers, we draw your attention to...

Why Do We Spell Advisers With An E?

Why Do We Spell Advisers With An E?

According to the Grammarist, adviser and advisor are both accepted spellings of the noun meaning one who advises or counsels. There is no difference between them. However, adviser, the older version, is listed as the primary spelling in most dictionaries, and it is...

10 Facts from HAWK’s Self-Funding Seminar!

10 Facts from HAWK’s Self-Funding Seminar!

On June 11, 2019, HAWK Advisers hosted a seminar where David Smith, Vice President of Risk Management and Compliance with EbenConcepts, provided an employer primer on self-funded health plans (including level-funded or balance funded) and discussed the risk, finance...

What Are the Disadvantages to Self-Funded Health Plans?

What Are the Disadvantages to Self-Funded Health Plans?

The Society for Human Resource Management (SHRM), states that employers who self-insure health plans are directly responsible for paying medical claims rather than paying for conventional health insurance policies. A self-insured employer chooses its plan design and...

Traditional vs. Self-Funded Health Plans

Traditional vs. Self-Funded Health Plans

What is self-funding? According to the Health Care Administrators Association, in practical terms, self-insured employers pay for claims out-of-pocket as they are presented instead of paying a pre-determined premium to an insurance carrier for a fully-insured plan....

Not-At-Fault Car Accidents & Workers’ Compensation

Not-At-Fault Car Accidents & Workers’ Compensation

Motor vehicle accidents are a leading cause of catastrophic injury and death to persons of all ages in the United States. Many of these motor vehicle accidents happen during the workday and involve people going to and from work or completing job-related tasks. If you...

Meet Susan, our Claims & Commercial Lines Specialist!

Meet Susan, our Claims & Commercial Lines Specialist!

Susan Carter, CIC, CISR Claims & Commercial Lines Specialist Susan Carter leads the HAWK Commercial Lines team in our efforts to deliver responsive and engaging claims management support.  Susan’s distinguished insurance career includes 3 decades of underwriting,...

Do You Own Your Energy?

Do You Own Your Energy?

What do others think of you? I know, we have been told many times in our lives “don’t worry about what other people think of you.” While there is truth to this statement, the reality is that YOU have control over what others think of you. How? Because we “own our...

ACA Compliance Seminar: 5 Key Takeaways

ACA Compliance Seminar: 5 Key Takeaways

Over the last 2-3 years, employers and employees alike are facing compounding challenges over rising healthcare & benefit costs.  Recent legislative reform and emerging healthcare trends are rapidly changing the employee benefits landscape.  At HAWK Advisers, we...

Smoking Fire Safety

Smoking Fire Safety

Yesterday, our mulch caught on fire. I know, I know, that sounds like it’s not that big of a deal, but it was, and here is why. What started as a relatively small fire turned into a fire that “hopped” from one mulch section to another around our building. The weather...